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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,988 | $80,985-66.7% | $96,576-72.1% | $75,181-64.1% |
| Participation rate | 48.9% | 71.8%-22.9pp | 76.0%-27.1pp | 67.2%-18.3pp |
| Annual return | 18.78% | 27.05%-8.3pp | 25.87%-7.1pp | 160.69%-141.9pp |
| Employer contribution / active EE | $2,421 | $2,282+6.1% | $2,965-18.3% | $2,671-9.3% |
| Participant deferral / active EE | $4,145 | $3,929+5.5% | $4,851-14.6% | $4,126+0.5% |
| Admin fee / account holder | $1,594 | $6,719-76.3% | $8,253-80.7% | $5,650-71.8% |